## When crushing the loan wins
High fixed APR, variable stress, or plans for a mortgage underwriting soon → bias to payoff. Model Student loan payoff dates. Guaranteed rate reduction often beats uncertain market return.
## When investing in parallel can make sense
Low fixed rates, employer match, long horizon, and solid emergency fund. Still run Compound interest conservatively — and never invest money you will need to avoid default. Educational, not personalized advice for Cameroon.
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Note: Educational content from Calcly Cameroon. Official sources (IRS / SSA — educational federal model; state tax not fully modeled.) and licensed professionals take priority in Cameroon.